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United Teletech Federal Credit Union auto loan rates compared

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New Jersey · Headquarters New Jersey

Tinton Falls, NJ-based credit union; membership required

Rate page on utfcu.org

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

NewNew car rates · 12 rates

As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

5.85%New48 months

NJChecked Nov 11, 2026

What the lender published

Relationship auto loan, published for a 48-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.

Checked Nov 11, 2026Source utfcu.org

As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

5.85%New60 months

NJChecked Nov 11, 2026

What the lender published

Relationship auto loan, published for a 60-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.

Checked Nov 11, 2026Source utfcu.org

As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

5.85%New66 months

NJChecked Nov 11, 2026

What the lender published

Relationship auto loan, published for a 66-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.

Checked Nov 11, 2026Source utfcu.org

As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

5.85%New78 months

NJChecked Nov 11, 2026

What the lender published

Relationship auto loan, published for a 78-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.

Checked Nov 11, 2026Source utfcu.org

As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

5.85%New84 months

NJChecked Nov 11, 2026

What the lender published

Relationship auto loan, published for a 84-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.

Checked Nov 11, 2026Source utfcu.org

As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

6.35%New96 months

NJChecked Nov 11, 2026

What the lender published

Relationship auto loan, published for a 96-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.

Checked Nov 11, 2026Source utfcu.org

UsedUsed car rates · 12 rates

As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

5.85%Used48 months

NJChecked Nov 11, 2026

What the lender published

Relationship auto loan, published for a 48-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.

Checked Nov 11, 2026Source utfcu.org

As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

5.85%Used60 months

NJChecked Nov 11, 2026

What the lender published

Relationship auto loan, published for a 60-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.

Checked Nov 11, 2026Source utfcu.org

As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

5.85%Used66 months

NJChecked Nov 11, 2026

What the lender published

Relationship auto loan, published for a 66-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.

Checked Nov 11, 2026Source utfcu.org

As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

5.85%Used78 months

NJChecked Nov 11, 2026

What the lender published

Relationship auto loan, published for a 78-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.

Checked Nov 11, 2026Source utfcu.org

As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

5.85%Used84 months

NJChecked Nov 11, 2026

What the lender published

Relationship auto loan, published for a 84-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.

Checked Nov 11, 2026Source utfcu.org

As low asChecking accountChecking account: The published rate assumes a checking account with the lender.

6.35%Used96 months

NJChecked Nov 11, 2026

What the lender published

Relationship auto loan, published for a 96-month term. APR as low as; includes a 0.25% discount for members with a checking account and debit card. Rates vary with credit history, term, amount financed, model year, mileage, and vehicle type. The same table covers new and used autos. Effective November 11, 2026.

Checked Nov 11, 2026Source utfcu.org